| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 1027 STE 600 CLEARWATER, FL 33757 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $111K | $111K | 4.00% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE STE 404 ST PETERSBURG, FL 337013600 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $13K | 9.54% |
| THERESA STONER ANNUNZIATA3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 5.34% |
| DAVID HOOD3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $523 | $188 | $711 | 0.63% |
| JOHN R STONER ORGANIZATION INC3 Filed as: JOHN R STONER | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 337013600 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $524 | $132 | $656 | 0.58% |
| OCONNELL FNCL GRP INC3 Filed as: OCONNELL FNCL GROUP INC | 1511 N WEST SHORE BLVD STE 500 TAMPA, FL 33607 | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $523 | $63 | $586 | 0.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATI0NAL MIDWEST LTD | 600 CLEVELAND ST STE 600 CLEARWATER, FL 33755 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 12.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 N LASALLE ST 17TH FLOOR CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAIG URQUHART | 1560 ORANGE AVE STE 750 WINTER PARK, FL 32789 | CAPITAL HEALTH PLAN | $2K | — | $2K | 2.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 1027 CLEARWATER, FL 33757 | VISION SERVICE PLAN | $3K | — | $3K | 9.14% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE STE 404 ST PETERSBURG, FL 337013600 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $197 | $2K | 8.75% |
| THE STONER ORGANIZATION3 | 700 CENTRAL AVE STE 404 ST PETERSBURG, FL 337013600 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.35% |
| THERESA STONER ANNUNZIATA3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $986 | $275 | $1K | 12.47% |
| DAVID HOOD3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $114 | $41 | $155 | 1.53% |
| JOHN R STONER ORGANIZATION INC3 Filed as: JOHN R STONER | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $110 | $28 | $138 | 1.36% |
| OCONNELL FNCL GRP INC3 | STE 500 1511 N WEST SHORE BLVD TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $113 | $14 | $127 | 1.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ASO SERVICE PROVIDER | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication; Float revenue; Other services; Non-monetary compensation; Named fiduciary Service code 12 | — | $6K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $2.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 358 | $100K |
| Vision | VISION SERVICE PLAN | 149 | $38K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $160K |
| Short-term disability | NORTHWESTERN MUTUAL | 161 | $10K |
| Long-term disability | NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 212 | $113K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
No prospect flags tripped on this filing.